Seller Closing Cost Calculator

Seller costs are 6–10% with broker — major reduction to net proceeds.

Sale price

Broker commission %

Title owner's %

Transfer tax %

Mortgage payoff

Misc fees + concessions

Net to seller

$159,500

Total closing costs

$40,500

% of sale price

0.1%

How the math works

Closing = broker + title + transfer + misc. Net = sale − closing − mortgage payoff.

$500k − $27.5k − $3k − $5k − $5k = $459,500 closing − $300k mortgage = $159,500 net.

How to Use

Enter sale price.
Enter broker commission %.
Enter title owner's %.
Enter transfer tax %.
Enter mortgage payoff.
Enter misc fees + concessions.
Read net to seller.

Frequently Asked Questions

Seller closing components?

Broker commission: 5–6% (negotiable, splits across listing + buyer agent). Title insurance owner's: 0.4–0.8% of price. Transfer tax: 0–4% (NY 0.4%, CA 0.11–0.55% city varies, NJ 0.4–1.21%, PA 1%, FL 0.7%). Mortgage payoff: balance + per-diem interest + recording. Attorney/closing fees: $500–2,500. HOA transfer fees: $200–1,500. Pro-rated property tax credit (or deduction). Home warranty (if offered): $400–800. Repair credits/concessions: 0–4%.

How does this affect deal economics?

Transaction economics — closing costs, escrow holdbacks, post-close true-ups, broker comp, title savings — directly reduce buyer or seller proceeds. Often 1–4% of deal value cumulatively. Allocate deliberately in PSA negotiation. Reps and warranties insurance (RWI) becoming standard for $20M+ transactions to backstop indemnification.

Standard market practice?

Major markets follow ALTA closing protocols. Buyer typically pays: lender title, recording fees, half escrow, half conveyance tax (varies). Seller pays: owner's title, broker comp, half escrow. Mortgage recording tax (NY, FL): substantial. Transfer tax (CT, DE, NJ, PA): 1–4%. Allocations negotiable but standard market practice limits negotiation leverage.

Risk allocation?

Holdbacks and escrows backstop seller indemnities for representations and warranties. Standard: 1–2% of purchase price for 12–18 months. Larger for: leasing risk, environmental, litigation, tenant credit. RWI shifts indemnity to insurer (1–4% of policy limit premium). Use earnouts for performance risk on operating businesses or stabilizing assets.